Can I deal DIRECTLY with the CC company? (re-stated)

Would I be able to stop collections from folks like Zwicker, etc, from calling, by sending a cease and desist letter? I have read material to indicate that if I choose, I can deal directly with the lender, i.e., American Express by sending a cease and desist letter to any third-party collection or other agency representing themselves as attorneys for the claimant. I see that Zwicker had a class action suit filed against them for claiming to be attorneys when they were actually a front or buffer for Amex. I went on disability, and the State $$ has run out. I went thru the hoops, and Fed denied the first shot for SSD. But I understand that they almost always approve those that appeal....believe me, I have plenty of proof of the "Alleged" illness. So while my intention is to pay these off, I am only able to make small payments until the appeal goes thru, or I sell a property that has been on the market for about a month, and pay them off completely. But I digress; if I send a cease and desist letter, does the collectors then have to quit bothering me, and send the note (loan) back to the makers?')